The Loan Store, Inc. mortgage approval rate & lending review
The Loan Store, Inc. decided 70,503 mortgage applications and funded 54,371 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions The Loan Store, Inc. reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
The Loan Store, Inc. at a glance
Approval is 8.4 points above the 81.7% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 32,359 / 34,489 | 89% | $405K | 28,659 |
| Home improvement loans | 71% | 5,682 / 7,987 | 72% | $95K | 4,094 |
| Cash-out refinance | 89% | 1,568 / 1,757 | 89% | $325K | 1,389 |
| Refinance | 91% | 4,157 / 4,582 | 80% | $365K | 3,343 |
| Investment property purchase | 94% | 11,991 / 12,715 | 88% | $295K | 10,545 |
| Investment cash-out refinance | 89% | 3,207 / 3,592 | 87% | $305K | 2,784 |
| Investment refinance | 90% | 3,897 / 4,336 | 79% | $345K | 3,080 |
| Investment home improvement | 64% | 667 / 1,045 | 72% | $95K | 477 |
The Loan Store, Inc. lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| California | 89% | $535K | 16,384 | 12,229 |
| Florida | 85% | $345K | 8,724 | 6,097 |
| Texas | 89% | $325K | 6,756 | 5,102 |
| Arizona | 91% | $415K | 4,759 | 3,786 |
| Illinois | 94% | $325K | 3,395 | 2,870 |
| Utah | 94% | $445K | 3,048 | 2,529 |
| Colorado | 93% | $455K | 2,917 | 2,327 |
| Michigan | 90% | $255K | 2,438 | 1,915 |
| Washington | 90% | $495K | 2,011 | 1,631 |
| New Jersey | 89% | $425K | 1,918 | 1,414 |
| Georgia | 87% | $345K | 1,851 | 1,351 |
| North Carolina | 94% | $355K | 1,505 | 1,225 |
| Oregon | 94% | $475K | 1,475 | 1,262 |
| Nevada | 91% | $385K | 1,438 | 1,110 |
| Pennsylvania | 92% | $285K | 1,336 | 1,060 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where The Loan Store, Inc. lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Maricopa County, AZ | Mortgage lenders | 94% | 1,399 | 1,180 |
| Sacramento County, CA | Mortgage lenders | 95% | 980 | 819 |
| Riverside County, CA | Mortgage lenders | 93% | 958 | 776 |
| Cook County, IL | Mortgage lenders | 95% | 769 | 654 |
| Los Angeles County, CA | Mortgage lenders | 94% | 818 | 623 |
| Salt Lake County, UT | Mortgage lenders | 95% | 646 | 558 |
| San Diego County, CA | Mortgage lenders | 93% | 690 | 546 |
| Miami-Dade County, FL | Mortgage lenders | 88% | 650 | 506 |
| Harris County, TX | Mortgage lenders | 88% | 654 | 491 |
| Maricopa County, AZ | Investment property purchase | 96% | 536 | 464 |
| Utah County, UT | Mortgage lenders | 95% | 475 | 407 |
| Los Angeles County, CA | Home improvement loans | 67% | 885 | 395 |
The county markets where The Loan Store, Inc. made the most loans. Each link opens that market with every lender ranked.
Questions about The Loan Store, Inc.
What is The Loan Store, Inc.'s mortgage approval rate?
The Loan Store, Inc. approved 90.1% of the 70,503 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.4 points above the 81.7% national rate for the same mix of loan types.
How often do borrowers take the loan The Loan Store, Inc. offers?
Borrowers accepted 86% of the loans The Loan Store, Inc. approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does The Loan Store, Inc. make?
The typical home purchase mortgage loan The Loan Store, Inc. made was $405K; across all loan types its typical loan ran from $95K to $405K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does The Loan Store, Inc. lend?
The Loan Store, Inc. decided applications in 50 of the states Fat Boy Data covers, most of them in California, Florida and Texas.
Can I apply to The Loan Store, Inc. directly?
Yes. The Loan Store, Inc. reports as a direct lender that takes applications from borrowers.
Does this page show The Loan Store, Inc.'s interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how The Loan Store, Inc. treats applications, then get a rate quote from the lender.